credit cards??

[some-rogue]

I earn �25k + a year, yet every credit card company refuses to give me a card and my own bank will not give me a cheque card!!? I just want to know how I can sort this out? Any ideas.....??

[Oneeyedvic]

Well firslty, credit is a priveledge not a right! It is entirely up to a bank if they want to lend you money.

Once of the biggest causes of not getting credit is not being on the Voters role. If you are not listed a bank will think that you may not live there or there may be somewhere else that you live whih you are not telling them about.

You also need to make sure that you don't have any adverse information on your credit file - obviously if you haven't paid your bills you will be classed as a high credit risk!

Also make sure that you are not financially linked with anyone who has a 'dodgy' past - this could be a flat mate or it could be someone living in a different area with the same name and date of birth.

Contact www.experian.co.uk and www.equifax.co.uk and get a copy of your credit file (nominal fees apply)

[welshygirl85]

I'm a credit card underwriter for a bank, its very easy to get turned down and its not just based on your credit rating, it depends how long youve lived at your address, been with your employer, residential status, can be a simple thing like you dont have a home telephone number!

When you make an application make sure all the info you put down is 100% correct silly errors can make that decline, it's really stupid i know.

About the voters role that doesnt make a diff if your not on there the company will contact you for proof of address.

It is a good idea to get your credit file to check if there's some thing on there you don't know about. I just got mine found out i got a default i didnt know about!

If all else fails you can appeal the decline and they can look into it further and possibly overturn the decision.

hope this helps!
best of luck, im just glad to have a day off from those applications!

[some-rogue]

Cheers guys, most helpful. ....funny tho, I just tried to get a credit report from experian over the internet and guess what you need to get one......A BLOODY CREDIT CARD!!! lol

....postal order it is then!!?

Thanks again.

[myvesta-sean]

Have you thought about obtaining a pay as you go Mastercard instead?

http://myvesta.org.uk/cashplus/